Call reports 2023
UNITED BANK — 2023
What UNITED BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,114,607,000 | 1,147,584,000 | 1,163,548,000 | 1,182,794,000 |
| Total loans | 698,357,000 | 726,642,000 | 746,521,000 | 753,078,000 |
| Allowance for loan losses | 10,810,000 | 10,891,000 | 11,166,000 | 10,402,000 |
| Securities available for sale | 276,038,000 | 270,280,000 | 256,868,000 | 220,566,000 |
| Securities held to maturity | 8,675,000 | 7,052,000 | 4,974,000 | 4,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 986,987,000 | 1,016,586,000 | 1,010,215,000 | 1,004,575,000 |
| Interest-bearing deposits | 487,954,000 | 489,690,000 | 487,430,000 | 500,986,000 |
| Noninterest-bearing deposits | 499,033,000 | 526,896,000 | 522,785,000 | 503,589,000 |
| Equity capital | 105,771,000 | 108,990,000 | 108,705,000 | 131,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 12,556,000 | 25,758,000 | 40,041,000 | 55,397,000 |
| Interest expense | 821,000 | 2,023,000 | 3,587,000 | 5,708,000 |
| Net interest income | 11,735,000 | 23,735,000 | 36,454,000 | 49,689,000 |
| Noninterest income | 1,955,000 | 4,775,000 | 6,798,000 | 22,766,000 |
| Noninterest expense | 6,741,000 | 13,721,000 | 20,831,000 | 31,376,000 |
| Provision for loan losses | -313,000 | -223,000 | 77,000 | 175,000 |
| Pretax income | 6,629,000 | 14,249,000 | 21,581,000 | 33,232,000 |
| Income tax | 1,500,000 | 3,273,000 | 4,926,000 | 7,669,000 |
| Net income | 5,129,000 | 10,976,000 | 16,655,000 | 25,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,028,000 | 136,917,000 | 142,643,000 | 152,321,000 |
| Total capital | 141,507,000 | 147,671,000 | 153,686,000 | 163,400,000 |
| Risk-weighted assets | 837,452,000 | 859,439,000 | 882,629,000 | 886,183,000 |